Our loans
Essentials
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For the purchase of new items and services

We lend up to $2,000


For essentials such as:

  • Car registration & repairs
  • Fridges & freezers
  • Computers & tablets
  • Home furniture
  • Medical & dental services
  • Bond & rent in advance
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No interest
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No fees or charges
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No credit checks
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MicroBusiness
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Start a new business or boost an existing one

We lend up to $3,000


Realise your small business dream!

  • Bring in some extra income and gain independence
  • Access local business development advice and support
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No interest
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No fees or charges
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No credit checks
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WE DON'T:

  • Lend money for food or bills
  • Give you cash
  • Lend money for second hand goods
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TO QUALIFY YOU NEED:

  • You must meet one of the following:
    • Hold a current Health Care Card, Pension Card or DVA Card and receive fortnightly Centrelink or DVA payments.
    • Have a working income of $70,000 gross or less.
  • Live in stable accommodation (exceptions can be made in some cases).
  • Have the capacity to repay the loan.
Why use NILS?
Look at the real cost of rented goods:
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